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The following article was published in our article directory on February 20, 2012.
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How to Get the Best Rate of Return with Prosper Peer-to-Peer Lending

Article Category: Business

Author Name: chickie maxwell

How can you enjoy a high rate of return by investing in Prosper peer-to-peer lending? If done correctly and with full understanding of the risks, then P2P lending can be a great addition to your investment portfolio. The Prosper P2P lending site has become one of the most popular ways for people who would otherwise not be able to avail of credit to get loans, and presently has more than 1.23 million members as well as over $302 million in funded loans.

On Prosper, borrowers can make loan requests of as little as $2,000 to as much as $25,000. For this, they can be levied interest rates of as low as 6.59|to as much as 35.8|depending on the Prosper rating of level of risk as well as other factors such as the term of the loan and the competitive environment. The various types of loans offered include home improvement loans, debt consolidation loans, wedding loans, auto and vehicle loans, military loans and small business loans.

Before you can invest in Prosper, you will have to register for a free account with them that is linked to a valid bank account. Once your bank account details have been verified, you can begin investing in Prosper by buying Prosper notes, which can be funded in $25 increments, and which are linked to a particular borrower loan with proceeds dependent on repayments.

There are two ways that you can invest with Prosper.

Individual loans. You can choose from a wide group of pre-approved borrowers from the loan listings page. Each listing includes information on the borrower including their requested loan amount, their Prosper rating, geographical location and the estimated rate of return. You can invest the minimum $25 or up to the full amount of the loan. Principal and interest payments will be made to your account on a pro rata basis based on the portion of the loan you financed.

Quick Invest search tool. This allows you to invest in a group of loans based on your chosen criteria. All you have to do is fill in the full amount of money you want to invest and the maximum amount per loan. Then select which Prosper ratings you would like to loan money to, and the system will locate a set of loans for you up to your named investment amount. You can also specify more detailed criteria including specific loan terms and borrowers who have a certain employment status. Or you can diversify your loan portfolio by choosing multiple Prosper ratings and the Quick Invest system will divide your investment among borrower requests with the chosen ratings. Once you re happy with the Quick Invest choices, simply place your order.

You can also make a profit by trading Prosper notes with a Folio Investing trading account. This will allow you to buy and sell notes, choosing those with a good rate of return that you might have missed out on the first time around.

Keywords: rate of return

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